BlastPoint's Credit Union Scorecard

COLUMBIA

Charter #62930 · MO

<100M

2508 CUs in <100M nationally 59 in MO

COLUMBIA demonstrates 5 strengths

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.04% above tier average
+ Net Interest Margin 1.22% above tier average
+ Asset Growth Rate: Top 7.3% in tier
+ Deposit Growth Rate: Top 7.7% in tier
+ Fee Income Per Member: Top 7.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	2,126 +1.1% YoY-0.1% QoQ	-550	2,676 +1.6% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	54%
Assets	$33.8M +9.9% YoY+2.3% QoQ	+$3.6M	$30.2M +1.3% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	63%
Loans	$19.5M +9.2% YoY-1.0% QoQ	+$4.2M	$15.3M -2.0% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	70%
Deposits	$30.3M +10.4% YoY+2.4% QoQ	+$4.5M	$25.8M +0.7% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	65%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +712.9% YoY+619.6% QoQ	+1.0%	0.1% -77.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	76%
NIM	5.2% -1.7% YoY+0.3% QoQ	+1.2%	4.0% +4.0% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	Top 8.8% in tier
Efficiency Ratio	81.7% -16.0% YoY-15.8% QoQ	-8.9%	90.6% +6.5% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	0.1% -34.2% YoY-10.5% QoQ	-1.4	1.5% +3.8% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	21%
Loan To Share	64.5% -1.1% YoY-3.4% QoQ	+6.0%	58.5% -3.0% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	58%
AMR	$23,421 +8.7% YoY+1.2% QoQ	+$9K	$14,884 -1.7% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	Top 11.4% in tier
CD Concentration	3.2% +19.3% YoY-2.0% QoQ	-21.0%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

184

Asset Growth Rate

growth

Value: 9.91%

Peer Median: 1.30%

#184 of 2508 Top 7.3% in <100M tier

194

Deposit Growth Rate

growth

Value: 10.41%

Peer Median: 0.66%

#194 of 2508 Top 7.7% in <100M tier

196

Fee Income Per Member

profitability

Value: $173.29

Peer Median: $60.42

#196 of 2508 Top 7.8% in <100M tier

221

Net Interest Margin (NIM)

profitability

Value: 5.23%

Peer Median: 3.83%

#221 of 2508 Top 8.8% in <100M tier

269

Loan-to-Member Ratio (LMR)

engagement

Value: $9,187

Peer Median: $4,923

#269 of 2508 Top 10.7% in <100M tier

285

Loan Growth Rate

growth

Value: 9.22%

Peer Median: -2.36%

#285 of 2508 Top 11.3% in <100M tier

287

Average Member Relationship (AMR)

engagement

Value: $23,421

Peer Median: $13,926

#287 of 2508 Top 11.4% in <100M tier

313

AMR Growth Rate

growth

Value: 8.70%

Peer Median: 1.27%

#313 of 2508 Top 12.4% in <100M tier

518

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: 0.65%

#518 of 2508 Top 20.6% in <100M tier

Top Weaknesses (2 metrics)

2120

Net Worth Ratio

risk

Value: 9.76%

Peer Median: 14.28%

#2120 of 2508 Bottom 15.5% in <100M tier

2057

Members Per Employee (MPE)

engagement

Value: 212.600

Peer Median: 333.750

#2057 of 2508 Bottom 18.0% in <100M tier